Lincoln MKZ Insurance Rates

U.S. average insurance rates for a Lincoln MKZ are $1,432 a year for full coverage insurance. Comprehensive costs approximately $248, collision costs $484, and liability costs $520. Buying just liability costs as little as $576 a year, with insurance for high-risk drivers costing around $3,120. Teens pay the highest rates at $5,572 a year or more.

Average premium for full coverage: $1,432

Price estimates by individual coverage:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different MKZ trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates using their specific location, instead of using averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below illustrates estimated Lincoln MKZ insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $829
• Drivers who choose higher $1,000 deductibles will pay $164 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,432
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,758
• Higher-risk drivers with serious driving violations could pay around $3,120 or more
• The price that insures a teen driver with full coverage can cost $5,572 a year

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Insurance prices for a Lincoln MKZ are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 additional each year, depending on your age. High-risk driver insurance can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

The state you live in makes a big difference in Lincoln MKZ insurance prices. A 40-year-old driver could pay as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,930 on average in Florida, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could save up to $490 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices and see which company has the best price. Every company calculates prices differently, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Lincoln MKZ Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates once a year by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a brief summary of the data that was touched on above.

• It is possible to save around $170 per year simply by shopping early and online
• Policyholders who purchase an increased level of liability coverage will pay approximately $570 annually to go from a low limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, as much as $464 a month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations could be charged and average of $1,690 more per year than a safer driver